What Is Personal Capital Investments
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What Is Personal Capital Investments

What Is Personal Capital Investments

Personal capital investments are a way to make smart decisions about how to use your money to maximize returns and reduce risks. The goal is to create a portfolio that can weather the storm of financial markets while helping you reach your goals. Whether you’re just starting to invest or have been doing so for years, there’s something for everyone when it comes to personal capital investments. In this article, we’ll discuss what personal capital investments are, why they’re important, and tips on how to get started with them.

What is Personal Capital?

Personal Capital is an investment firm that provides financial services and investment advice to individuals and families. The company was founded in 2009 by Bill Harris and Robert Herrmann and is headquartered in San Francisco, California.

Personal Capital offers a range of financial services, including investment management, wealth management, retirement planning, tax preparation, and estate planning. The company also provides a free online tool that helps users track their finances and investments.

Personal Capital has over 2 million users and manages over $200 billion in assets. The company has been recognized as one of the best online financial advisers by Barron’s and Kiplinger’s Personal Finance magazines.

How Does Personal Capital Work?

Personal Capital is an investment firm that offers a variety of services to its clients, including financial planning, asset management, and retirement planning. The company has a team of experienced financial professionals who work with clients to develop personalized investment plans.

Personal Capital has a simple fee structure: it charges an annual advisory fee of 0.89% of assets under management (AUM), with no hidden fees or commissions. The company requires a minimum account balance of $100,000 to open an account and begin working with a Personal Capital advisor.

Personal Capital’s investment philosophy is grounded in modern portfolio theory and the belief that diversification is the key to achieving long-term investment success. The company uses a combination of mutual funds, exchange-traded funds (ETFs), and individual stocks and bonds to build diversified portfolios for its clients.

Client accounts are held at Personal Capital Advisors, Inc., an SEC-registered investment adviser. Personal Capital Advisors is a wholly owned subsidiary of Personal Capital Corporation.

What Are the Benefits of Personal Capital?

There are many benefits of using Personal Capital to manage your finances. The first benefit is that it can help you keep track of all your accounts in one place. This can save you time and make it easier to see where your money is going.

Another benefit is that Personal Capital can help you plan for your future by seeing how much you have saved and what your investment options are. You can also use the Retirement Planner tool to see how much you need to save to reach your retirement goals.

Finally, Personal Capital is a free service that can help you improve your financial health. By using the tools available, you can make better decisions about where to invest your money and how to save for the future.

How to Get Started with Personal Capital

Assuming you have read and understood the previous section on what Personal Capital is, we will now provide a step-by-step guide on how to get started with using this tool. Note that this is not an investment tutorial, but rather an instruction on signing up and linking your accounts.

1. Go to PersonalCapital.com and click “Sign Up Free.”
2. Enter your email address and create a password.
3. Press “Continue.”
4. Fill out the rest of the required information such as name, date of birth, gender, etc.
5. Now it’s time to link your accounts! You can link your bank account, credit card, retirement account, mortgage, and more. To do so, select the type of account you would like to link and follow the steps provided by Personal Capital.
6. After all of your accounts have been successfully linked, you’re ready to start exploring all that Personal Capital has to offer! Check out the Dashboard to see an overview of all your finances in one place or use the Investing Tools to track your portfolio performance and find new opportunities for growth.


Personal Capital Investments are a great option for those looking to take control of their finances while also reaping the rewards of professional financial advice. By leveraging technology and powerful analysis tools, you can manage both your long-term goals and short-term decisions without having to sacrifice one for the other. Whether you’re just getting started or already have an established portfolio, it pays off to understand how personal capital investments work and how they can help you reach your financial goals.